Title 7AgricultureRelease 119-73

§5101 Qualifying States

Title 7 › Chapter CHAPTER 82— - STATE AGRICULTURAL LOAN MEDIATION PROGRAMS › § 5101

Last updated Apr 6, 2026|Official source

Summary

A State becomes a qualifying State when the Secretary of Agriculture finds that the State has a mediation program that meets certain rules. The Governor must send a description of the program and say it meets the rules. The Secretary then decides within 15 days. The program must offer mediation for people in agricultural loan disputes, whether the loans are USDA-backed or from other lenders. It may also cover other farm issues such as wetlands, farm program and organic compliance, farm credit, rural water loans, grazing on National Forest land, pesticides, leases, family farm transitions, farmer-neighbor fights, and other farm matters the Secretary or a State agriculture chief thinks helpful. Program money can pay for credit counseling before or apart from mediation. The people who can use the program include farmers, their lenders, people affected by USDA actions, and others involved in those issues. No one can be forced to take part in mediation, except when a State law requires mediation before foreclosure. To be certified, a program must produce voluntary, mutually agreed outcomes when possible, be run by the State or its Governor, train mediators, keep sessions confidential, and make sure lenders, borrowers, USDA, and affected people get proper notice. Mediation services include intake and scheduling, basic information about the process, outside financial counseling when needed, and the mediation meeting itself.

Full Legal Text

Title 7, §5101

Agriculture — Source: USLM XML via OLRC

(a)A State is a qualifying State if the Secretary of Agriculture (hereinafter in this chapter referred to as the “Secretary”) determines that the State has in effect a mediation program that meets the requirements of subsection (c).
(b)Within 15 days after the Secretary receives from the Governor of a State a description of the mediation program of the State and a statement certifying that the State has met all of the requirements of subsection (c), the Secretary shall determine whether the State is a qualifying State.
(c)(1)(A)To be certified as a qualifying State, the mediation program of the State must provide mediation services to persons described in paragraph (2) that are involved in agricultural loans (regardless of whether the loans are made or guaranteed by the Secretary or made by a third party).
(B)The mediation program of a qualifying State may provide mediation services to persons described in paragraph (2) that are involved in one or more of the following issues:
(i)Wetlands determinations.
(ii)Compliance with farm programs, including conservation programs and the national organic program established under the Organic Foods Production Act of 1990 (7 U.S.C. 6501 et seq.).
(iii)Agricultural credit.
(iv)Rural water loan programs.
(v)Grazing on National Forest System land.
(vi)Pesticides.
(vii)Lease issues, including land leases and equipment leases.
(viii)Family farm transition.
(ix)Farmer-neighbor disputes.
(x)Such other issues as the Secretary or the head of the department of agriculture of each participating State considers appropriate for better serving the agricultural community and persons eligible for mediation.
(C)Funding provided for the mediation program of a qualifying State may also be used to provide credit counseling to persons described in paragraph (2)—
(i)prior to the initiation of any mediation involving the Department of Agriculture; or
(ii)unrelated to any ongoing dispute or mediation in which the Department of Agriculture is a party.
(2)(A)Subject to subparagraph (B), the persons referred to in paragraph (1) include—
(i)agricultural producers;
(ii)creditors of producers (as applicable);
(iii)persons directly affected by actions of the Department of Agriculture; and
(iv)any other persons involved in an issue for which mediation services are provided by a mediation program described in paragraph (1)(B).
(B)(i)Subject to clause (ii) and section 5103 of this title, a person may not be compelled to participate in mediation services provided under this Act.
(ii)Clause (i) shall not affect a State law requiring mediation before foreclosure on agricultural land or property.
(3)The Secretary shall certify a State as a qualifying State with respect to the issues proposed to be covered by the mediation program of the State if the mediation program—
(A)provides for mediation services that, if decisions are reached, result in mediated, mutually agreeable decisions between the parties to the mediation;
(B)is authorized or administered by an agency of the State government or by the Governor of the State;
(C)provides for the training of mediators;
(D)provides that the mediation sessions shall be confidential;
(E)ensures, in the case of agricultural loans, that all lenders and borrowers of agricultural loans receive adequate notification of the mediation program; and
(F)ensures, in the case of other issues covered by the mediation program, that—
(i)the Department of Agriculture receives adequate notification of those issues; and
(ii)persons directly affected by actions of the Department of Agriculture receive adequate notification of the mediation program.
(d)In this section, the term “mediation services”, with respect to mediation or a request for mediation, may include all activities related to—
(1)the intake and scheduling of cases;
(2)the provision of background and selected information regarding the mediation process;
(3)financial advisory and counseling services (as appropriate) performed by a person other than a State mediation program mediator; and
(4)the mediation session.

Legislative History

Notes & Related Subsidiaries

Editorial Notes

References in Text

The Organic Foods Production Act of 1990, referred to in subsec. (c)(1)(B)(ii), is title XXI of Pub. L. 101–624, Nov. 28, 1990, 104 Stat. 3935, which is classified generally to chapter 94 (§ 6501 et seq.) of this title. For complete classification of this Act to the Code, see

Short Title

note set out under section 6501 of this title and Tables. This Act, referred to in subsec. (c)(2)(B)(i), is Pub. L. 100–233, Jan. 6, 1988, 101 Stat. 1568, known as the Agricultural Credit Act of 1987. Provisions relating to mediation services are contained in title V of the Act, which is classified principally to this chapter. For complete classification of this Act to the Code, see Tables.

Amendments

2018—Subsec. (c)(1)(B). Pub. L. 115–334, § 5402(a)(1)(A)(i), struck out “under the jurisdiction of the Department of Agriculture” after “the following issues” in introductory provisions. Subsec. (c)(1)(B)(ii). Pub. L. 115–334, § 5402(a)(1)(A)(ii), inserted “and the national organic program established under the Organic Foods Production Act of 1990 (7 U.S.C. 6501 et seq.)” before period at end. Subsec. (c)(1)(B)(vii) to (x). Pub. L. 115–334, § 5402(a)(1)(A)(iii), added cls. (vii) to (x) and struck out former cl. (vii) which read as follows: “Such other issues as the Secretary considers appropriate.” Subsec. (c)(1)(C). Pub. L. 115–334, § 5402(a)(1)(B), added subpar. (C). Subsec. (c)(2)(A)(iv). Pub. L. 115–334, § 5402(a)(2), added cl. (iv). Subsec. (c)(3)(F). Pub. L. 115–334, § 5402(a)(3), inserted dash after “program, that” and cl. (ii) designation before “persons” and added cl. (i). 2000—Subsec. (c)(1), (2). Pub. L. 106–472, § 306(a)(1), added pars. (1) and (2) and struck out former pars. (1) and (2), which required State mediation program to provide services for producers, their creditors, and other persons involved in agricultural loans, or involved in agricultural loans and such issues as wetlands determinations, compliance with farm programs, agricultural credit, rural water loan programs, grazing on National Forest System lands, pesticides, or such other issues considered appropriate. Subsec. (d). Pub. L. 106–472, § 306(a)(2), added subsec. (d). 1994—Subsec. (a). Pub. L. 103–354, § 282(a)(1), substituted “a mediation program” for “an agricultural loan mediation program”. Subsec. (b). Pub. L. 103–354, § 282(a)(2), struck out “agricultural loan” before “mediation program”. Subsec. (c). Pub. L. 103–354, § 282(a)(3), added subsec. (c) and struck out heading and text of former subsec. (c). Text read as follows: “Within 15 days after the Secretary receives a description of a State agricultural loan mediation program, the Secretary shall certify the State as a qualifying State if the State program— “(1) provides for mediation services to be provided to producers, and their creditors, that, if decisions are reached, result in mediated, mutually agreeable decisions between parties under an agricultural loan mediation program; “(2) is authorized or administered by an agency of the State government or by the Governor of the State; “(3) provides for the training of mediators; “(4) provides that the mediation sessions shall be confidential; and “(5) ensures that all lenders and borrowers of agricultural loans receive adequate notification of the mediation program.” 1988—Subsec. (b). Pub. L. 100–399 struck out comma after “Governor of a State”.

Statutory Notes and Related Subsidiaries

Effective Date

of 1988 AmendmentAmendment by Pub. L. 100–399 effective as if enacted immediately after enactment of Pub. L. 100–233, which was approved Jan. 6, 1988, see section 1001(a) of Pub. L. 100–399, set out as a note under section 2002 of Title 12, Banks and Banking.

Short Title

of 2010 Amendment Pub. L. 111–233, § 1, Aug. 16, 2010, 124 Stat. 2493, provided that: “This Act [amending section 5106 of this title] may be cited as the ‘Agricultural Credit Act of 2010’.”

Reference

Citations & Metadata

Citation

7 U.S.C. § 5101

Title 7Agriculture

Last Updated

Apr 6, 2026

Release point: 119-73